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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,362 | $70,435+2.7% | $96,575-25.1% | $85,856-15.7% |
| Participation rate | 25.6% | 61.8%-36.2pp | 69.8%-44.2pp | 69.3%-43.7pp |
| Annual return | 30.73% | 18.59%+12.1pp | 37.79%-7.1pp | 318.58%-287.9pp |
| Employer contribution / active EE | $0 | $1,413-100.0% | $2,357-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,518 | $2,894-13.0% | $3,849-34.6% | $3,952-36.3% |
| Admin fee / account holder | $1,355 | $4,997-72.9% | $6,182-78.1% | $6,261-78.4% |